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Home Platforms BlockFi vs YouHodler

Compare BlockFi vs YouHodler

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Pros & Cons

tick Transfers in and out of savings account are instant
tick One of the only major platforms to be based in and fully regulated in the US
tick Full transparency on company location and regulation status
tick Funds immediately start earning interest daily
tick No hidden fees & No credit checks
tick Flexibility to have interest paid in the currency of your choice
tick High LTV up to 50% available on loans
tick The world's first bitcoin reward Credit Card
tick Available worldwide
tick More reviews than YouHodler (6,197 vs 4,972 reviews)
tick Offers corporate accounts but YouHodler doesn't
tick Has 24/7 support but YouHodler doesn't
tick Has phone support but YouHodler doesn't
tick Very high LTV up to 90% available on loans
tick Innovative Multi-HODL product allows market speculation with savings funds
tick Turbocharge allows highly leveraged speculation on crypto assets with multiple loans on one deposit of collateral
tick You can use NFTs as collateral
tick Higher average review rating than BlockFi, but based on fewer reviews (81% vs 76%)
tick Higher rating for android phone app than BlockFi (4 vs 3.9 stars)
tick Higher rating on Trustpilot than BlockFi (4.2 vs 3.6 stars)
tick Interface supports French, Korean, Japanese, Turkish, Polish, Spanish, Simplified Chinese, Russian, German and Italian whereas BlockFi doesn't
Savings Rates
tick BlockFi will pay interest on Gemini Dollar (GUSD) stable coin deposits whereas YouHodler does not
tick BlockFi has a higher base saving rate for 11 crypto currencies:
BNB (BNB) (3% vs 3%)
Cardano (ADA) (10% vs 6%)
Polkadot (DOT) (9.5% vs 9%)
Avalanche (AVAX) (10% vs 6%)
NEAR Protocol (NEAR) (7% vs 7%)
Cosmos (ATOM) (7% vs 3%)
Decentraland (MANA) (3% vs 3%)
The Sandbox (SAND) (3% vs 3%)
Gala (GALA) (3% vs 3%)
Serum (SRM) (3% vs 3%)
Terra (LUNA) (6% vs 4%)
More ...
2 more savings rates pros ...
Savings Rates
tick YouHodler has a higher base saving rate for 4 stable coins:
Tether (USDT) (12.3% vs 4.5%)
USD Coin (USDC) (12% vs 4%)
Dai (DAI) (12% vs 4%)
Pax Dollar (USDP) (12% vs 4%)
More ...
tick YouHodler will pay interest on 3 stable coin deposits not offered by BlockFi:
3 more savings rates pros ...
Loan Rates
tick BlockFi has a lower loan rate for US Dollars (USD) (4.5 - 9.75% vs 16.2%)
Loan Rates
tick YouHodler offers loans in Euros (EUR) fiat currency deposits whereas BlockFi does not
tick YouHodler has a higher maximum loan to value (LTV) ratio for US Dollars (USD) (90% vs 50%)
1 more loan rates pro ...
cross Loans appear to be only available in the US at the moment
cross Slow customer service
cross 2% Origination Fee
cross Savings interest paid out monthly
cross English language version only
cross Saving Accounts not available in some states like NewYork
cross Moderate selection of cryptocurrencies supported
cross High minimum withdrawl amount
cross Not available in USA
cross High loan interest rates
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Reviews

76% based on 6,197 reviews
81% based on 4,972 reviews
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Savings Rates

The table below compares the savings rates for BlockFi and YouHodler. Enter the amount you intend to deposit to get a more detailed comparison.
Stable Coins
DAI Dai
4% - 7% APY
4% - 7% APY
4% - 7% APY
4% - 7% APY
USDC USD Coin
4% - 7% APY
4% - 7% APY
USDP Pax Dollar
4% - 7% APY
4% - 7% APY
USDT Tether
4.5% - 7.25% APY
4.5% - 7.25% APY
Crypto Currencies
AAVE Aave
3% APY
3% APY
ADA Cardano
10% APY
10% APY
ALGO Algorand
2.5% APY
2.5% APY
ATOM Cosmos
7% APY
7% APY
AVAX Avalanche
10% APY
10% APY
3% APY
3% APY
0.1% - 1% APY
0.1% - 1% APY
3% APY
3% APY
BNB BNB
3% APY
3% APY
BTC Bitcoin
0.1% - 3% APY
0.1% - 3% APY
4% - 7% APY
4% - 7% APY
DOGE Dogecoin
2% APY
2% APY
DOT Polkadot
9.5% APY
9.5% APY
EOS EOS
3% APY
3% APY
ETH Ethereum
0.25% - 3% APY
0.25% - 3% APY
FIL Filecoin
2% APY
2% APY
FTM Fantom
3% APY
3% APY
FTT FTX Token
3% APY
3% APY
GALA Gala
3% APY
3% APY
LINK Chainlink
0.1% - 3% APY
0.1% - 3% APY
LTC Litecoin
0.1% - 3.5% APY
0.1% - 3.5% APY
LUNA Terra
6% APY
6% APY
3% APY
3% APY
MATIC Polygon
11% APY
11% APY
7% APY
7% APY
PAXG PAX Gold
0.1% - 3.25% APY
0.1% - 3.25% APY
RUNE THORChain
3% APY
3% APY
3% APY
3% APY
SOL Solana
10% APY
10% APY
SRM Serum
3% APY
3% APY
TRX TRON
6% APY
6% APY
UNI Uniswap
0.1% - 3.25% APY
0.1% - 3.25% APY
Loading rates ...
Stable Coins
DAI Dai
12% APR
12% APR
12% APR
12% APR
HUSD HUSD
12% APR
12% APR
TUSD TrueUSD
12% APR
12% APR
USDC USD Coin
12% APR
12% APR
USDP Pax Dollar
12% APR
12% APR
USDT Tether
12.3% APR
12.3% APR
Crypto Currencies
4% APR
4% APR
AAVE Aave
6% APR
6% APR
ADA Cardano
6% APR
6% APR
APE ApeCoin
30% APR
30% APR
ATOM Cosmos
3% APR
3% APR
AVAX Avalanche
6% APR
6% APR
25% APR
25% APR
3% APR
3% APR
5.5% APR
5.5% APR
BNB BNB
3% APR
3% APR
BNT Bancor
3% APR
3% APR
4.5% APR
4.5% APR
BTC Bitcoin
4.8% APR
4.8% APR
1.5% APR
1.5% APR
10% APR
10% APR
7% APR
7% APR
COMP Compound
2.5% APR
2.5% APR
DASH Dash
5.5% APR
5.5% APR
DOGE Dogecoin
3% APR
3% APR
DOT Polkadot
9% APR
9% APR
EGLD Elrond
5.5% APR
5.5% APR
EOS EOS
5% APR
5% APR
ETH Ethereum
5.5% APR
5.5% APR
FIL Filecoin
3.5% APR
3.5% APR
FTM Fantom
4% APR
4% APR
FTT FTX Token
4% APR
4% APR
GALA Gala
3% APR
3% APR
GMT STEPN
20% APR
20% APR
3% APR
3% APR
ILV Illuvium
3% APR
3% APR
LINK Chainlink
6.2% APR
6.2% APR
LTC Litecoin
5.5% APR
5.5% APR
LUNA Terra
4% APR
4% APR
3% APR
3% APR
MKR Maker
2.5% APR
2.5% APR
7% APR
7% APR
3% APR
3% APR
PAXG PAX Gold
5.6% APR
5.6% APR
REP Augur
2.5% APR
2.5% APR
3% APR
3% APR
SNX Synthetix
6% APR
6% APR
SRM Serum
3% APR
3% APR
SUSHI SushiSwap
7% APR
7% APR
TRX TRON
7% APR
7% APR
UNI Uniswap
7% APR
7% APR
XLM Stellar
4.5% APR
4.5% APR
XRP XRP
4.5% APR
4.5% APR
XTZ Tezos
4% APR
4% APR
4.5% APR
4.5% APR
ZIL Zilliqa
5.5% APR
5.5% APR
ZRX 0x
4.5% APR
4.5% APR
Loading rates ...
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Loans Rates

The table below compares the loan rates for BlockFi and YouHodler. Enter the amount you intend to borrow to get a more detailed comparison.
Fiat Currencies
USD US Dollars
4.5% - 9.75% APR
50% LTV 4.5% - 9.75% APR
Loading rates ...
Fiat Currencies
EUR Euros
16.2% - 25.6% APR
90% LTV 16.2% - 25.6% APR
USD US Dollars
16.2% - 25.6% APR
90% LTV 16.2% - 25.6% APR
Loading rates ...
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Company

Legal name
BlockFi Lending LLC
Legal name
Youhodler SA
Year founded
2017
Year founded
2017
Country incorporated in
2
Country incorporated in
222
Headquarters country
2
Headquarters country
222
Centralised
tick Yes
Centralised
tick Yes
Number of employees
505
Number of employees
11-50
Number of users
225,000
Number of users
Total assets under management
$15,000,000,000USD
Total assets under management
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Products

Savings accounts
tick Yes
Savings accounts
tick Yes
Loans
tick Yes
Loans
tick Yes
Crypto to crypto exchange
tick Yes
Crypto to crypto exchange
tick Yes
Fiat to crypto exchange
tick Yes
Fiat to crypto exchange
tick Yes
Pro exchange marketplace
cross No
Pro exchange marketplace
cross No
Peer to peer exchange
cross No
Peer to peer exchange
cross No
Corporate accounts
tick Yes
Corporate accounts
cross No
Instantly buy crypto with fiat
tick Yes
Instantly buy crypto with fiat
tick Yes
Integrated crypto wallet
tick Yes
Integrated crypto wallet
tick Yes
Crypto withdrawls to private wallet
tick Yes
Crypto withdrawls to private wallet
tick Yes
Fast account verification
tick Yes
Fast account verification
tick Yes
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Security

Insurance level
Insurance level
$150,000,000USD
Cold storage
tick Yes
Cold storage
tick Yes
Cold storage custodian
Gemini
Cold storage custodian
Ledger Vault
Crypto security standard
Crypto security standard
Yes - Level of compliance not clear
Two factor authentication
tick Yes
Two factor authentication
tick Yes
Credit check
cross No
Credit check
cross No
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Support

24/7 support
tick Yes
24/7 support
cross No
Email support
tick Yes
Email support
tick Yes
Phone support
tick Yes
Phone support
cross No
Chat support
tick Yes
Chat support
tick Yes
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Fees

Exchange fees
0% exchange fees
Exchange fees
0% exchange fees
Fiat deposit fee
tick Free
Fiat deposit fee
Free, except USD SWIFT (25 USD fee per deposit) and EUR SWIFT (25 EUR fee per deposit)
Fiat withdrawl fee
tick Free
Fiat withdrawl fee
USD (SWIFT) - 5% (min 70 USD), EUR (SEPA) - 5 EUR, EUR (SWIFT) - 55 EUR, GBP/CHF - 0.15% (55 GBP / 55 CHF min)
Crypto deposit fee
tick Free
Crypto deposit fee
tick Free
Crypto withdrawl fee
Varies by currency - approx $10 USD per withdrawl
Crypto withdrawl fee
Free except BAT (10 BAT), REP (0.2 REP), LINK (0.43 LINK), XRP (0.5 XRP), PAXG (0.002 PAXG), UNI (1 UNI), COMP (0.04 COMP ), MKR (0.01 MKR), ETH (0.003 ETH)
Savings crypto account withdrawl limit
Varies by currency - min approx $100 USD, max approx $1,000,000 USD every 7 days
Savings crypto account withdrawl limit
Min withdrawl 10-50 USD in crypto equivalent
Loan crypto account withdrawl limit
Varies by currency - min approx $100 USD, max approx $1,000,000 USD every 7 days
Loan crypto account withdrawl limit
Savings fiat account withdrawl limit
Varies by currency - approx $1,000,000 USD every 7 days
Savings fiat account withdrawl limit
Min withdrawl by bank card - 2 USD / 2 EUR, by bank wire - 500 for USD; 50 for EUR; 500 for CHF and GBP
Loan fiat account withdrawl limit
Varies by currency - approx $1,000,000 USD every 7 days
Loan fiat account withdrawl limit
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Registrations & Regulation

Know your customer
tick Yes
Know your customer
tick Yes
Regulators
Regulated in the USA
Regulators
Alabama - Consumer Credit License
tick Yes
Alabama - Consumer Credit License
Alabama - Money Transmitter License
tick Yes
Alabama - Money Transmitter License
California - Department of Financial Protection and Innovation - Finance Lender and Broker License
tick Yes
California - Department of Financial Protection and Innovation - Finance Lender and Broker License
Colarado - Supervised Lender’s License
tick Yes
Colarado - Supervised Lender’s License
Connecticut - Money Transmitter License
tick Yes
Connecticut - Money Transmitter License
District of Columbia - Department of Insurance, Securities and Banking - Money Transmitter License
tick Yes
District of Columbia - Department of Insurance, Securities and Banking - Money Transmitter License
Florida - Money Services Business License
tick Yes
Florida - Money Services Business License
Georgia - Seller of Payment Instructions
tick Yes
Georgia - Seller of Payment Instructions
Idaho - Department of Finance - Money Transmitter License
tick Yes
Idaho - Department of Finance - Money Transmitter License
Illinois - Department of Financial and Professional Regulation - Money Transmitter License
tick Yes
Illinois - Department of Financial and Professional Regulation - Money Transmitter License
Illinois - Department of Financial and Professional Regulation - Consumer Installment License Certif
tick Yes
Illinois - Department of Financial and Professional Regulation - Consumer Installment License Certif
Kansas - Office of the State Bank Commissioner - Supervised Loan License
tick Yes
Kansas - Office of the State Bank Commissioner - Supervised Loan License
Kansas - Office of the State Bank Commissioner - Money Transmitter License
tick Yes
Kansas - Office of the State Bank Commissioner - Money Transmitter License
Maryland - Consumer Loan Authorization
tick Yes
Maryland - Consumer Loan Authorization
Maryland - Money Transmitter License
tick Yes
Maryland - Money Transmitter License
Michigan - Regulated Loan Act License
tick Yes
Michigan - Regulated Loan Act License
Minnesota - Department of Commerce - Regulated Loan License
tick Yes
Minnesota - Department of Commerce - Regulated Loan License
Minnesota - Department of Commerce - Money Transmitter License
tick Yes
Minnesota - Department of Commerce - Money Transmitter License
Missouri - Division of Finance - Small Loan License
tick Yes
Missouri - Division of Finance - Small Loan License
North Carolina - Money Transmitter License
tick Yes
North Carolina - Money Transmitter License
North Dakota - Money Broker License
tick Yes
North Dakota - Money Broker License
Nebraska - Money Transmitter License
tick Yes
Nebraska - Money Transmitter License
New Hampshire - Banking Department - Money Transmitter License
tick Yes
New Hampshire - Banking Department - Money Transmitter License
New Jersey - Money Transmitter License
tick Yes
New Jersey - Money Transmitter License
Ohio - Consumer Installment Loan Act License
tick Yes
Ohio - Consumer Installment Loan Act License
Ohio - Money Transmitter License
tick Yes
Ohio - Money Transmitter License
Oklahoma - License of Authority
tick Yes
Oklahoma - License of Authority
Oregon - Division of Financial Regulation - Money Transmitter License
tick Yes
Oregon - Division of Financial Regulation - Money Transmitter License
Pennsylvania - Consumer Discount Company License
tick Yes
Pennsylvania - Consumer Discount Company License
Puerto Rico - Money Transmitter License
tick Yes
Puerto Rico - Money Transmitter License
Rhode Island - Currency Transmitter License
tick Yes
Rhode Island - Currency Transmitter License
Rhode Island - Lender License
tick Yes
Rhode Island - Lender License
South Carolina - Money Transmitter License
tick Yes
South Carolina - Money Transmitter License
Tennessee - Industrial Loan and Thrift Certificate of Registration
tick Yes
Tennessee - Industrial Loan and Thrift Certificate of Registration
Tennessee - Money Transmitter License
tick Yes
Tennessee - Money Transmitter License
Texas - Money Services Business License
tick Yes
Texas - Money Services Business License
Utah - Department of Financial Institutions - Acknowledgment of Consumer Credit Notification
tick Yes
Utah - Department of Financial Institutions - Acknowledgment of Consumer Credit Notification
Washington - Money Transmitter License
tick Yes
Washington - Money Transmitter License
Washington - Consumer Loan License
tick Yes
Washington - Consumer Loan License
Bermuda Monetary Authority - Class F Digital Assets Business License
tick Yes
Bermuda Monetary Authority - Class F Digital Assets Business License
PCI DSS v3.2.1 Level 1
PCI DSS v3.2.1 Level 1
tick Yes
CryptoCurrency Security Standard (CCSS)
CryptoCurrency Security Standard (CCSS)
tick Yes
Cryptovalley Switzerland
Cryptovalley Switzerland
tick Yes
Blockchain Association
Blockchain Association
tick Yes
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Important Message Definda does not provide any financial advice. All information is provided for research purposes only. DeFi is a rapidly evolving industry. Most businesses in the sector are very young and it is possible that some of them could go out of business in the future. Such an event could result in the loss of your investment. You should do your own research or consult a financial advisor before investing any money. Please read and satisfy yourself with our terms before continuing to use our website. We offer a free impartial comparison service of savings, loans and other DeFi products. We may receive a small commission from some of the companies listed, but this never influences our rankings. If you spot any errors in the information listed then please contact us at info@definda.com.

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